Tagged Questions

for questions related to a Check [spelled as Cheque in Asia and UK] as a bank instrument to withdraw money.

learn more… | top users | synonyms (2)

2
votes
1answer
47 views

Endorsed check - does everyone have to be present to cash it?

Myself and some old roommates have a security deposit check made out to all five of us. Do all five of us have to actually be present to cash the check, or can one or more people in the party simply ...
0
votes
0answers
42 views

How do banks handle post-dated checks deposited via the ATM?

As noted in another question, banks have different policies regarding post-dated checks before the post-date, although it seems most will accept the check as long as the check issuer hasn't contacted ...
0
votes
0answers
24 views

Which banks in the north NJ/NYC area offer deposits by scanner for personal checks?

A number of business checking accounts offer this service but so far I haven't seen any personal accounts in the area. Any suggestions?
2
votes
1answer
164 views

found a 1994 uncashed profit sharing retirement plan check

I found an old un-cashed check dated 1994 for $487 from my Xerox Retirement plan with no expiration date. Can I still cash it?
0
votes
2answers
46 views

Ordering checks for my LLC

I'm ordering checks for my newly formed LLC. I wondered if I should put my personal name on the checks, just the LLC name or both. Thank you.
5
votes
1answer
103 views

Stolen wallet containing check. What are the proper steps to take now?

My wallet was stolen. I cancelled all my cards, but I also had a check written to me that I hadn't deposited yet. I have contacted the issuer of the check and asked him to cancel it, but he says he is ...
2
votes
2answers
103 views

In double entry book-keeping, how should I record writing of a check?

Say I write a check (in British English, a cheque) to pay money to some supplier out of my business's current account. I post the check. As far as I'm concerned, the company has spent that money and ...
2
votes
3answers
93 views

How do I cash a USD cheque in Europe, quickly?

I'll receive a USD cheque shortly. I prefered payment by money transfer, but all attempts to do so - i.e. SWIFT/IBAN, Payoneer, transferwise - failed. Now I will receive a cheque by mail. I contacted ...
3
votes
1answer
117 views

Cash a US Government check without bank account

A US citizen, long-term permanent resident in Canada, with no financial presence of any type in the US. He holds a valid US passport, and is up-to-date with all IRS and FBAR reporting. He has a $400 ...
3
votes
1answer
98 views

Can a check be indorsed anywhere, or just in the specified area?

So I wanted to know, but nobody has been able to answer me. Can an indorsement be made anywhere on a check, or does it always have to be made in the designated space on the back of the check?
14
votes
2answers
314 views

Does a post-dated check have any *valid* use for delaying payment?

I was recently witness to a salesman claiming that a customer could post-date a check to guarantee their check would not be cashed before the item they just ordered was received. I was under the ...
0
votes
0answers
21 views

Escrow check with past void date? [duplicate]

I have an escrow check that is past 180 days. It will be around 6 days past 180 come Monday. The check was issued by bank of america and my bank is chase. Would they still let me deposit it or will ...
14
votes
1answer
1k views

Uncashed lawsuit settlement check

My mom is 84 years old, and her memory is not so good. I just found a lawsuit settlement check from an attorney along with the settlement papers in her files. The check is for $24,000, drawn on an ...
1
vote
1answer
68 views

When printing a check from a business account is it possible to print it on the smaller (personal) check paper?

My father owns his own business and asked me to print a few checks on the smaller (personal) size check paper? I did not know this was possible, but he assured me that it was. I am confused about how ...
-2
votes
1answer
112 views

Where should I sign on this check?

I received a refund check from my credit card company. I would like to deposit to my bank account online. But I wonder where I can sign my name, since I don't see any hint on the back of the check. ...
2
votes
2answers
526 views

How can I cash out a check internationally?

I have a prize check in my name at my old university based in the US. I have now shifted to another country and was wondering, what would be the best way to cash out the check? I know someone ...
4
votes
1answer
650 views

How can I cash US treasury check in India?

I have a United States Treasury check. Please let me know how to encash it in India. I tried ICICI bank but they are unable to process it.
0
votes
1answer
218 views

What can I do with unused cheque book?

I will be switching all my accounts from Bank A to Bank B within the next few weeks. A few months ago, I purchased a cheque book for my Bank A checking account. It contains 50 cheques (all unused). ...
6
votes
1answer
278 views

What's the difference between a certified check, a cashier's check, a money order, and a bank draft?

The question comes from reading this answer. I've heard these terms used somewhat interchangeably, but I have no idea what the differences are. What's the difference between a certified check, a ...
2
votes
1answer
119 views

Is issuer's bank allowed to charge fee when cashing check?

I have previously heard that if you take check to the issuer's bank; they are required by law to cash the check for the full amount. Recently I got a check from business but when I took it to their ...
2
votes
2answers
3k views

How Long Can It Take For a Check I Write to Clear on My Account?

If I write a check to someone (in this case, from an LLC), on a local bank, and it goes to someone who is within 10-25 miles of me, and they take that to their bank (also local and not my bank), is ...
0
votes
1answer
74 views

Cashable copy of a check

what does it mean when BOA sends you a cashable copy of a check deposited in an ATM that was not endorsed
2
votes
2answers
99 views

Should I give to charity by check or credit card?

I intend to donate some money to a major charity. I could donate online with a credit card, or by mail with a check. I'd like to choose the method that is less expensive for the charity, so that ...
3
votes
1answer
235 views

What's the difference between “direct credit” vs. “local wire transfer”?

Wikipedia states that the alternatives to cheques include "direct credit" and "wire transfer" among others. What is the difference between "direct credit" and "local wire transfer"? For example, ...
1
vote
2answers
1k views

What to enter on the check ordering form?

I want to order checks for my Bank of America checking account from a third party, but I don't know how to complete the checkout form: Suppose my numbers were: Account number: 1234 5678 9012 ...
8
votes
1answer
3k views

Is writing out the entire spelling of the cents on a check acceptable?

I was writing a check and while I was writing, I spelled out value of say $124.12. I accidentally wrote "One Hundred Twenty Four and Twelve Cents", instead of "One Hundred Twenty Four and 12/100". Is ...
5
votes
1answer
4k views

What happens when “bill pay” check does not get cashed

In the US, some banks generously offer a "bill pay" service, which is an online page that allows you to mail a (paper) check to a US address. Most banks don't change for this service, which "saves you ...
5
votes
2answers
728 views

For which alterations on a personal check in the US does one need to initial?

For which alterations on a personal check in the US does one need to initial? Crossing out one's old address on a personal check is possible. Crossing out an outdated address is not necessary in the ...
1
vote
1answer
89 views

How can one fill in the cent portion of the numeric amount on a personal check in the US?

On personal checks in the US, one fills in the numeric version of the dollar amount towards the left of the respective rectangular field. Say the check is for $36.25. I have seen different ways of ...
8
votes
1answer
289 views

Which colors can one use to fill out a check in the US?

With which colors can one fill out and sign and personal check in the US? Black is of course okay; I have heard that blue is also allowed. An ideal answer will give references. Is there anything ...
5
votes
1answer
234 views

Is a blank voided check the same as a fully filled out voided check?

For the last year now, I've collected checks for a company. Procedure is to collect and void the check. For some reason, I'm now asking for a blank voided check. Isn't a check that's voided just ...
2
votes
1answer
16k views

What is an inclearing check?

My US bank showed a transaction without a check number and called it an "inclearing check". The month is not over, so i haven't seen how it's shown on a statement. But a bit of searching on the web ...
1
vote
3answers
963 views

What could a malicious party potentially achieve by having *just* a name, account number, and sort code?

There seem to be many conflicting points on this issue, most prominently this story published in the Daily Mail not so long ago , so I ask the nice community on stackexchange to shed (researched) ...
7
votes
3answers
15k views

How can I get free or discounted checks for my bank account?

I bank with chase and my account type does not qualify me for free check books. I have to pay a fee to get a check book. Is there a way I can: Get a free check book for my account? Print my own free ...
2
votes
1answer
1k views

leaving the amount on a check blank

Suppose a person writes a check out to someone that they owe $500, but does not specify the amount on the check and instead tells the person to fill out the amount for five hundred and cash it. If the ...
4
votes
1answer
539 views

I live in Brazil, I have no US bank account and received a US Treasury check. How do I get my money?

I'm an US citizen living abroad who has no US bank account and that got a tax refund from the IRS. I have and frequently use a Paypal account, but Paypal accounts for people living outside the US ...
4
votes
1answer
527 views

Getting a USD cheque, without too many fees, and with a sensible exchange rate?

In order to exercise a stock option, I find myself needing a USD cheque. Annoyingly, it has to be a cheque and it has to be in USD, neither a GBP cheque nor a USD wire transfer are acceptable. (I've ...
1
vote
1answer
130 views

Business check MICR strings: why is the check number on the left?

I have always seen the MICR string at the bottom of a personal check have the routing number, then account number, then check number. Why do business checks often have the check number on the left?
0
votes
1answer
136 views

When are checks are preferred over cash, and when cash is preferred over checks?

Checks are not guaranteed to be cashed, as the payer's account may not have enough money at the time of cashing, and the payer may not know when the payee is going to cash the check. When that happen, ...
11
votes
1answer
2k views

Is this reply promising a money order and cashier check a scam?

Lately, I have been tied up with my moving soon, among others. I got a reply from my ad for moving sale at craigslist, the author of which claims to be currently living on the other side of Atlantic ...
11
votes
5answers
6k views

A merchant requests that checks be made out to “Cash”. Should I be suspicious?

My barber accepts only cash or checks made out to "Cash". Is there a likely legitimate reason she might want the checks made out to "Cash"? Or am I helping her hide her revenue from the IRS?
2
votes
2answers
1k views

Should I make a copy or scan of a check before depositing checks whenever possible?

Or can I simply take a picture of the check with my cellphone before depositing the check, just in case there is a disputed transaction?
5
votes
2answers
262 views

Cashing Checks Via Photograph

Recently I discover a great time saver. Rather than Fedexing my check to my bank in US, I simply photograph the check with IPhone and tada the check is deposited. However I still have to have the ...
4
votes
3answers
3k views

What should I do if a check gets lost in the mail?

Should I request a new check from the sender? And is there a risk that they might not provide one? What if something else happens, like what if the check gets damaged?
14
votes
5answers
2k views

Cashing a fishy cheque addressed to someone else

I agreed to cash a cheque for someone I don't really know. In hindsight, this was very stupid, but now I need to figure out how best to get out of this situation. We both endorsed the cheque, it ...
5
votes
2answers
2k views

Stale dated check in posession, company won't reissue, sol?

Basically as the topic suggests I have a check in my possession which while it doesn't have "void after.." appears to be valid only for 6 months. Company isn't responding to emails, I have a credible ...
5
votes
6answers
27k views

How can I deposit a check made out to my business into my personal account?

When I invoiced this company, my invoice specifically said to make it payable to me personally, not my business (since I don't have a business account besides PayPal). Unfortunately, they made it out ...
8
votes
5answers
11k views

Any practical difference between “personal checks” and “business checks”?

I need to order checks for my LLC. I wrote maybe 5 paper checks last year (by hand, not printed). So it doesn't make sense for me to spend $30-40+ on "business checks" if I can spend $5-10 on ...
2
votes
2answers
3k views

How do I deposit a USD check into a US bank account by mail from abroad?

Forgive me for what is probably quite an obvious question for anyone who understands the US banking system, but I don't. I live in the UK, and I have a check in US dollars I need to do something ...
11
votes
5answers
5k views

What if I received a check with two different amounts written on it (words vs. number)?

I received a check personally written to me from a family member. The family member that wrote & sent me the check wrote where you write out the amount of what the check is suppose to be for, in ...